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50+ LifeStyles

January 2016

JANUARY CALENDAR Thru Jan. 17

Jan. 13

Boardwalk Lights & City Lights; 5 to 9 p.m.; Long Beach Boulevard to Magnolia Boulevard , Long Beach; www.longbeachny.gov. Free. A free holiday nautical themed light show display on the boardwalk.

Suffolk County OneStop Employment Center job fair; 1 to 4 p.m.; Brentwood Public Library, 34 2nd Ave., Brentwood. Home Depot, the NYS Jan. 2-3 TMB Model Train Show Open House; noon to 4 p.m.; 120 Court System, Briarcliffe Schmitt Blvd. , Farmingdale; 516-660-8099; Free; wwwtmbmod- College, Bright Star Care, Catholic Charities and many other employers are recruiting. eltrainclub.com. Eight train sets operating on six tracks.

Jan. 16

Jan 8

Jan. 26

British Regiments: United States Tour 2016; 8 p.m.; Tilles Center for the Performing Arts at LIU Post Campus, 720 Northern Boulevard, Brookville; 516-299-3100; www.tillescenter.org. Admission: $23-$73. The Band of the Royal Marines and the Pipes, Drums & Highland Dancers of the Scots Guards.

Suffolk County One-Stop Employment Center job fair; 1 to 4 p.m.; Sayville Public Library, 88 Greene Avenue, Sayville. Employers, including Mercy Haven, NBT Y, NRL Strategies, The Arbors Assisted Living, UCP of Suffolk, US Postal Service,others.

Jan 30 Jan. 10 North Eastern Arms Collectors Antiques and Modern Arms Show; 9 a.m. to 3 p.m.; American Legion Post 94, 22 Grove Place, Babylon; 631-643-6347. Admission: $6 Show and sale with items from pre-Civil War to modern times.

Hops and Props Craft Beer Festival; 7 - 10 p.m.; Cradle of Aviation Charles Lindbergh Boulevard, Garden City; 516-572-4111; www.hopsandprops.com. $65 online only, $75 day of, $20 for designated driver. Over 100 craft beers from Long Island and around the world.

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January 2016

Keeping Healthy/Reminiscing with Vets; 10:30 to 11:30 a.m.; Black Voices; (thru Feb.21); Art League of Long Island, 107 East Mid-Island Y JCC, 45 Manetto Hill Rd., Plainview; 516-822-3535 Deer Park Road , Dix Hills; 631-462-5400; artleagueli.net. An exx384. Bi-monthly meeting (also January 19). hibition featuring African-American artists of Long Island.

50+ LifeStyles

Jan. 5

50+ LifeStyles

January 2016

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L E G A L & F I N A N C I A L

Your Smartphone Can Help You Achieve Your Financial Resolutions Sixty-four percent of American adults have a smartphone, according to Pew Research Center, and that number is growing. At the forefront of a smartphone’s benefits is on-the-go money management, which personal finance experts say can be a key tool to helping you achieve your New Year resolutions. “Technology advances are giving banks an opportunity to further enhance their customers’ ability to manage their money,” says Brett Pitts, Head of Digital for Wells Fargo Virtual Channels. Pitts offers some tips for making your smartphone your own personal banker: • Go mobile: Check your bank’s mobile application offerings and download its mobile app from a trusted source, such as your phone’s app store or your bank’s website. • Review functionality: Review your bank’s app periodically to ensure you’re up-to-date. For example, Wells Fargo just added several new features to its already robust mobile banking suite. • Manage your money on-the-go: Use your bank’s free money management services like online bill pay, mobile check deposit and mobile funds transfer. Get peace of mind before

heading out for holiday shopping. • Add automatic account alerts: Preset limits for transactions and purchases, so you can be immediately notified when those limits have been exceeded. This will help you track your spending and prevent you from breaking your budget. You may also wish to sign up for other notifications, such as when your balance drops below a certain threshold or a direct deposit posts to your account. • Get reminded: Make late fees a thing of the past. Set up calendar reminders for credit card payments, mortgages and other bill due dates. Your bank’s app may also have a built-in reminder feature to help you streamline payments. • Keep contact details up-to-date: Make sure your bank knows how to reach you. For example, some banks notify customers of possible suspicious card transactions through text messages — which allow customers to reply quickly to confirm whether the transaction is legitimate or not. More banking tech tips and resources can be found at wellsfargo.com/mobile. – State Point

50+ LifeStyles January 2016

L E G A L & F I N A N C I A L

7 Steps for Addressing ‘Bag Lady Syndrome’ Nearly half of all American women share a fear that may seem odd given the wealth of some: They are afraid of losing their financial independence, otherwise known as “Bag Lady Syndrome,”according to a 2013 study. “Financially, women’s needs are different from those of men, and the financial industry isn’t meeting them,” says Lance Drucker, CEO and president of the New York City-based Drucker Wealth Management, (www.DruckerWealth.com) and author of How to Avoid Bag Lady Syndrome (BLS): A Strong Woman’s Guide to Financial Peace of Mind. Drucker offers seven action steps that women can do to address their financial insecurity: • Identify your pain as well as your goals. Answer the following questions: What keeps me up at night? What worries me most about my money & my future? When can I afford to retire? Can I afford to stay retired? Can I travel, change careers, or go back to school? • Create a budget that includes

fixed and variable monthly costs as well as one-time expenses. Based on your budget, start building a cash cushion that will cover six to nine months of fixed expenses. • Create a balance sheet of savings and investments. This includes your sav-

ings account, stocks, bonds, mutual funds, investment real estate, cash value life insurance, annuities, retirement accounts, individual retirement accounts, 401 (k) plans and other assets. Then further break it down by pre- and post-tax-accounts. • Review insurance coverage and needs. Are you supporting anyone else?

Is there a need for life insurance? Who will take care of you if you get sick? Do you have long term care insurance? One mother can raise 10 kids, but 10 kids can’t take care of one mother. • Address your estate-planning needs. Do you have a will, a durable power of attorney or a health care proxy? Have you updated your beneficiary designations on your retirement accounts? Does it make sense to put your assets in a trust to avoid probate? Answers for these questions are important. • Develop your investment strategy. Is there a purpose to your current approach, or are you just accumulating funds? We recommend something we call a “4 Bucket Approach to Purposeful Investing” that has been designed with the help of a Wharton Business School professor. • Hire a Coach. Those investors that utilize a high quality financial advisor feel more confident, optimistic, and significantly more likely to stick to their plan versus do-it-yourself investors.

50+ LifeStyles January 2016

What is an Elder & Special Needs Attorney? Legal issues that affect people as they age and people with special needs are growing in number. Our laws and regulations are becoming more complex, and each state has different laws. Actions taken with regard to a single matter may have unintended legal effects.  It is important for attorneys working with seniors, people with special needs, and their families, to have a broad understanding of the laws that may have an impact on a given situation to avoid future problems.  Elder and Special Needs Law encompasses many different fields of law. Some of these include: • Preservation/transfer of assets seeking to avoid spousal impoverishment when one spouse enters a nursing home • Medicare claims and appeals • Social Security and disability claims and appeals • Supplemental and long-term health insurance issues

• Tax planning • Disability planning, including use of durable powers of attorney, living trusts, “living wills” for financial management and health care decisions, and other means of delegating management and decision-making to another in case of in-

the use of trusts, wills, and other planning documents • Probate and administration of estates • Administration and management of trusts • Long-term care placements in nursing home and life-care communities • Nursing home issues, including questions of patients’ rights and nursing home quality • Elder abuse and fraud recovery cases • Housing issues, including discrimination and home equity conversions • Age discrimination in employment • Retirement, including public and private retirement benefits, surcompetency or incapacity vivor benefits, and pension benefits • Access to health care in a managed • Health law care environment • Mental health law. • Conservatorships and guardianships • Estate planning, including planning For everything you need to know related to for the management of one’s estate during elder law, check out the National Academy of life and its disposition on death through Elder Law Attorneys at www.naela.org.

L E G A L & F I N A N C I A L

LifeStyles Puzzle Solution from page 17 A L I G N

B A Y O U B O M A I Z A B S O D A M S

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A P O L L H O E R B E S E G I R L C R A D I E U M O D E M

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50+ LifeStyles January 2016

J A D E S

LifeStyles Sudoku Solution

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LI Support for Living with Heart Disease, Stroke A life-changing medical diagnosis can be frightening. The American Heart Association/American Stroke Association now has resources to help in the emotional and physical recovery of heart disease and stroke survivors and those caring for them. The Support Network offers an online community, as well as materials for starting face-to-face community-based support groups and resources for healthier living. The goal is to connect people living with heart disease and stroke with others who are going through similar journeys. Research shows the stress of dealing with an illness can impact health. A from the Journal of the American Heart Association found that a general lack of social support is associated with poor health and quality of life and depression in young men and women a year after having a heart attack. The person who’s had a heart attack or stroke isn’t the only one impacted by these life-changing events. The stress of caring for a disabled spouse can significantly raise the caregiver’s risk of future stroke, especially among African-American men, ac-

Additional Resources: • American Heart Association/American Stroke Association Support Network: www.heart.org/supportnetwork and www.strokeassociation.org/supportnetwork. • Information for caregivers: www.heart.org/caregivers. • American Heart Association on Long Island, 125 E Bethpage Rd # 100, Bethpage; 516-777-8447.

50+ LifeStyles January 2016

cording to a study in the journal, Stroke. It’s very common for people to feel depressed, isolated and overwhelmed after having a heart attack or stroke. The Support Network is where people can find and share emotional support from others going through similar journeys. Who knows better what you might be feeling than someone who has been there? The monitored online community offers people a place to ask questions, share concerns or fears, provide helpful tips and find encouragement and inspiration. Some people may prefer more personal interaction, and that’s where face-to-face community-based support groups can be beneficial. The online Support Network houses all the tools and resources needed to start an in-person support group, including train-the-trainer materials for group leaders, checklists for building groups and even sample agendas for meetings. Support groups can also set up an online meeting space where members can stay in touch between in-person meetings. Whether online or in-person, sharing stories, experiences and practical advice can make a positive impact in how you face challenges in your heart disease or stroke recovery. We are proud to be able to add this expanding resource that can be so helpful in improving the quality of life for the people we serve.

News ★★★★★★★★★★★★★★★★★★★★★★★★★★★★★★★★★★★★★★★★★★★★★★★★

Sites You Need to Know The 2015 VA Disability Compensation Rates can be found at: www.military.com/benefits/veterans-health-care/va-disabilitycompensation-rates.html?ESRC=banner.nl. New York State Veteran’s Benefits can be found at: www.military.com/benefits/veteran-state-benefits/new-york-stateveterans-benefits.html. The Best and Worst Cities for Veterans can be found at: wallethub.com/best-and-worst-cities-for-veterans/8156.

Mark Your Calendars NOW! The NYS Parks has announced the following dates and performers for the 2016 Jones Beach Airshow. The 13th annual airshow, sponsored by Bethpage Federal Credit Union, will take place on Saturday, May 28 and Sunday, May 29, 2016. The show will include: the Navy Blue Angels, Royal Canadian Air Force Snowbirds, Army Golden Knights Parachute Team, and Breitling Performance Jet Team. Additional civilian performers will be added to the line-up as the Bethpage Airshow at Jones Beach draws closer.

Brookhaven’s Women’s Award Wants Nominees The Brookhaven Division of Women’s Services is seeking nominations for the outstanding women of Brookhaven Town. They are asking for community groups, businesses and individuals to nominate women they believe are deser ving of special recognition for their efforts. The nominee should be someone who lives or works in Brookhaven. Nomination categories are as follows: Business, Communications/Media, Community Service Volunteer, Community Service professional, Design, Education, Government, Health Car Provider, Law, Law Enforcement, Medicine, Military, Religion, Science, Sports, Technology, and Visual and Performing Arts. The nomination forms, which can be obtained from the Department of Housing and Human Service, Division of Women’s Ser vices at Brookhaven Town Hall, One Independence Hill in Farmingville 11738 (631-451-6146), must be returned (in person or by mail) to the Division of Women’s Services no later than Friday, January 22, 2016, and should include a resume and two letter of recommendation. A copy of the nomination form can be found on our Website at: 50plusny.com/news/dec/11/brookhaven-womensrecognition-award/.

Hempstead Demolishes Vet’s Home When a U.S. Navy veteran traveled from Long Island to Florida for a knee replacement, his house was the last thing on his mind. But now his memory of it is all he can think about. Philip Williams' home was demolished in the spring by town officials while he spent about six months recuperating from surgical complications in Fort Lauderdale. Back in New York, officials in the Town of Hempstead deemed his modest two-story home unfit for habitation and knocked it down. Complete story at: www.militar y.com/daily-news/2015/11/30/town-demolishesveterans-house-while-he-has-surgery.html?ESRC=army_151201.nl.

VA to Revamp Private Care In November 2015, the Department of Veterans Affairs (VA) unveiled a wide-reaching plan to Congress to merge and expand its unwieldy networks of private doctors. The goal of the New Veterans Choice Program, which would combine seven of the agency’s existing private health-care arrangements into a single system, is to eliminate gaps in care. The plan would overhaul the system that allows veterans to use private doctors at government expense if they live too far from a VA hospital or need a specialist. VA officials provided details of their strategy at a recent hearing before the House Veterans Affairs Committee. At veterans.house.gov/hearing/choice-consolidation-assessing-va-s-planto-improve-care-in-the-community.

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January 2016

★★★★★★★★★★

50+ LifeStyles

Veterans

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5 Smart Buys Winter Driving Tips Rain, ice and snow during the winter months can take a toll on your vehicle and jeopardize your safety. Outfitting your car or truck with the proper equipment and tools can help ensure your vehicle operates in top condition to get you to your destination without incident. Get a jump-start on winter with these smart buys, recommended by the experts at Michelin: 1. Ice scraper: A sturdy scraper is a must. Options are plentiful, from basic models with a small single blade to more deluxe versions featuring extra wide blades, built-in gloves to keep hands warm and dry, and brushes to help wipe away mounds of snow before tackling the ice layer. Handle shapes and materials vary, too, so be sure to test several options to find a comfortable fit to make the onerous chore less difficult. In an emergency, a credit card can do the chore. 2. Windshield wipers: Heat extremes of the summer months tend to damage wiper blades, so it’s a good idea to replace them before winter sets in. Damaged wiper blades can result in annoying noises during operation, but more important, they can affect your visibility in inclement weather conditions. A hybrid blade, such as the Michelin Stealth Hybrid Wiper Blade, is a good choice for winter because it combines the technology of traditional metal wiper blades and improved pressure of beam wiper blades for top performance during extreme weather. The

50+ LifeStyles January 2016

soft rubber shell protects against damage from ice scrapers, while Smart Flex technology spreads pressure consistently across the entire blade for superior windshield contact, which translates into improved streak-free wiping and stronger visibility. Changing the rear wiper blade, if your vehicle has one, is also important for optimum visibility and safer winter driving. Make sure your wiper fluid is topped with a fluid rated for the temperature. 3. Winter fluids: Make sure you always have at least half a tank of gas to avoid a frozen fuel line. Also, carry extra windshield washer fluid to ensure proper visibility and avoid diluting windshield washer fluid with water as it could freeze at low temperatures. Washer fluid with de-icer additive can help prevent ice buildup as you’re driving. In addition, a spray de-icer is a handy way to clear a heavily iced vehicle or help gain access to a frozen lock. In a pinch, heat your key with a lighter and insert it in the door lock, wait a few moments, then remove it and try unlocking it again. 4. Winter tires/chains: If you frequently encounter snow or ice, or if the temperature consistently approaches freezing, your tires need the extra grip and turning capabilities that only winter tires can deliver. Even if you have four-wheel drive or all-wheel drive, you still need winter tires to conquer the elements and stay safe. Winter tires are designed to perform better in a wide range of wintry conditions, improving your vehicle's grip and performance and shortening your braking distances. To see which Michelin Tires are right for your vehicle and get the most out of your tires this winter season, check out Michelin’s Winter Weather Guide. If a prolonged period of snow is expected, changing to snow tires is the smart thing to do, whether you have all-weather tires or not. 5. Emergency kit: In case of emergencies, you may get stuck or need to spend time in your car waiting for help. Make sure that your vehicle is equipped to handle a wide range of scenarios. Always be sure to carry a tire gauge, jack and fully inflated spare. If you get stuck, you’ll be glad to have a shovel and gravel, salt or a small piece of carpet for traction. Jumper cables or even a portable charger can help address battery related problems. Maximize your safety with emergency flares and a firstaid kit. In addition, stash a small supply of non-perishable food and water, as well as warm clothes or a blanket, especially if you’ll be driving lesser-traveled roads. Find more advice to get your vehicle ready for winter at michelinman.com/US/en/safe-driving/winter-guide.html. - Family Features; photo courtesy of Getty Images

L A

PERSONALS SF Seeking Male Born Again Christian, non-smoker who enjoys exploring the Island and yard sales for LTR. 631-833-3555 Positive SWF, 64, trim, pretty seeks handy, helpful, optimistic SWM 54-74, to love. Enjoy the arts/nature, perhaps swim, sail, fish, bicycle, travel, explore. 631-3799477 SWCM 70-75, Non-Smoker, compassionate, honest, likes movies, concerts, dining out, day trips for LTR. (631) 482-1588 SWM 76, seeks SF for friendship, companionship and whatever else. Please call Joe at (516) 458-7333

Retired Man 64, enjoys hiking, camping, listening to music, rotisserie chicken, pro-wrestling. Seeks woman with sense of humor, no texting or Facebook please. (516) 7815195 SWM 76, seeks SF for friendship, companionship and whatever else. Please call Joe at (516) 458-7333 WM, 60, famous artist, attractive, highly educated, & well-mannered, seeks WF, 50+ for friendship. East End. Art collector a plus. (631) 3779482

$60 Businesses • $35 Individuals (Non-business related) 15 words - $1 each additional word All ads must be pre-paid. Rates are per month. For more information call (631) 286-0058 Ext. 220. PLEASE PRINT CLEARLY OR TYPE ON A SEPARATE SHEET OF PAPER

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LIFESTYLES CROSSWORD

DOWN 1. Green gemstones 2. Straighten

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3. Ronstadt's "Blue -" 4. Hayseed 5. Moon mission name 6. Perhaps 7. Circulate 8. Still, in verse 9. Pop 10.Work with 11.Apiece 17."Bow-wow!" 21.Incompetent orts 23.Hold the

scepter 24.Cleo's slitherer 25.Rocks 26.Section of L.A.? 28.That girl 30.Bread grain 31.Frenzied 32.Lawyers' org. 33.Doctrine 36."Cheers" order 37.Flew very close to 40.Prince

William's mum 42.Lubricated 43.Insinuating 44.Be philan thropic to 45.Pond-surface matter 46.Ogled 48.Shapely leg (Sl.) 49.Berlin's "What'll -?" 50.Disencumber 51.Shelter Solution on page 9

January 2016

ACROSS 1. Poke 4. Aries 7. Sick and tired 12.Carte lead-in 13."- lazy river ..." 14.Draft in an apartment? 15.Hobbyist's abbr. 16.Robin's nickname 18.Swelled head 19.Nudge 20.Ignore rudely 22.Writer Buscaglia 23.Bar 27.Discoverer's cry 29.Painting on plaster 31.Corn 34."Uh-oh!" 35.Soak up 37.Plead 38.Water barriers 39.End of a school's URL 41.Durante trademark 45.Grab 47.Hostel 48.1943 Rooney/ Garland musical 52.Cover 53.Farewell 54.Born 55.Tokyo's old name 56.DSL device 57.Do sums 58.Morning moisture

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State:

CLEAN HOMES BY STACEY Get ready for the holidays now! Weekly, bi-weekly-monthly, one time only, move-ins/outs. Low reasonable rates. East Moriches, Center Moriches, Shirley, Yaphank and Bellport. 631-902-3787

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50+ LifeStyles

Deal Me In

by Mark Pilarski

On the Road Again Dear Mark: Now in our senior years, my wife and I spend about six months a year RVing across the U.S. Interestingly, we find that many of the Indian casinos we’ve run across offer different forms of gambling compared to where we live (Fresno, CA) the other half of the year. What is the story? Boyd C.

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In 1988, Congress passed the Indian Gaming Regulatory Act (IGRA) to "provide a legislative basis for the operation/regulation of Indian gaming, protect gaming as a means of generating revenue, encouraging economic development, and protecting the enterprises from negative influences (organized crime).” What the IGRA also does is establish three categories of gaming; Class I, Class II, and Class

III, with a different regulatory scheme for each. Class I are traditional Indian games, which may be part of tribal ceremonies and celebrations, and social games for minimal prizes. The tribes themselves have exclusive control over these games and are not subject to IGRA’s regula-

banked card games (games that are played exclusively against other players instead of against the house or a player acting as a bank). What they do not include are slot machines or electronic facsimiles of any game of chance. Tribes themselves regulate Class II games with oversight by the National

Gambling Wisdom of the Week: “It (Gambling) is not as destructive as war or as boring as pornography. It is not as immoral as business or as suicidal as watching television. And the percentages are better than religion.” – Mario Puzo, Inside Las Vegas (1976) tions. What you undoubtedly observed in your travels, Boyd, are the differences between Class II and Class III games. Class II games are games of chance commonly known as bingo, pull-tabs and non-

Indian Gaming Commission. Casino-style gambling is Class III gaming. This includes games typically played at casinos: slots, video poker, table games, etc. Fora tribe to offer Class III gaming, the tribe would not only have to negotiate a com-

pact with the state, but also the state’s cut of the revenue. Steve Bourie’s American Casino Guide remains the best all-inclusive guide of casinos nationwide for the budget conscious gambler. Bourie updates American Casino Guide yearly and he indexes every casino/resort in the U.S., plus all the contact information. Noting in your question that you navigate your stops at many of the different casinos across America, this is where the American Casino Guide comes in handy. The guide includes $1,000 in valuable casino coupons, like free rooms, shows, buffets, slot play, table betting money, and plenty more. Those interested can purchase the 2016 American Casino Guide ($18.95) at most major bookstores, Amazon.com, or at americancasinoguide.com.

50+ LifeStyles January 2016

50+ LifeStyles

January 2016

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